If you would like start making costs prior to or to create overpayments into the loan

Up to ent financing having refugees who were registered as an ingredient off a civil refugee reception programme. This new Swedish parliament keeps made a decision to cancel the choice to utilize to own equipment loans, effective . As a result you are not able to apply for a house products loan of CSN. When you have been supplied a house gizmos financing, youre to carry on and come up with payments on this mortgage due to the fact regular. Here you can read regarding paying off your house gadgets mortgage.

Table out of content material

• Appeal to the financing
• Settling the home equipment mortgage
• Appealing facing a choice of the CSN

Interest towards the mortgage

CSN costs desire to your money your obtain. In 2023, the rate try step 1,7 per cent. The eye is calculated in the date you will get the loan if you don’t keeps paid the complete debt. Thus once you repay the loan you both you desire to settle the bucks you have and also the notice. The interest cannot be eliminated.

Settling the home gizmos mortgage

You begin trying to repay the loan couple of years just after very first receiving the cash. It entails between step 1 and you may 7 ages to repay the loan, depending on how far you owe. We’ll immediately give you using-during the glides if it’s time for you to begin making money.

We are going to post 3 expenses-inside slides at once. Everytime we publish the newest expenses-when you look at the glides, we will charge an alerts percentage from SEK forty. So it wide variety to a total of SEK 120 a year. If you fail to spend your bills on time, you will also have to spend a reminder payment of SEK 60.

You can start and come up with payments ahead of 2 yrs features passed, if you need. In this situation, buy brand new paying-during the glides once signing for the Mina sidor Hemutrustningslan (My personal Pages Equipment mortgage) at .

You may desire generate overpayments on the mortgage. In such a case, alter the count stated for the spending-for the slip. If you want to pay back the whole loan in a single payment, excite e mail us.

While having problems and make repayments

If you’re having problems to make costs in your financing, you might apply at spend shorter or even pay nothing on the for a twelve months. CSN often charge https://clickcashadvance.com/installment-loans-mi/birmingham attention, even although you commonly and then make money into mortgage. This means that, your debt might be expanding if you are not paying.

If you cannot pay off your loan

1. We shall send you a reminder. You will then have to pay the newest SEK sixty reminder payment.
2. If you can’t pay even with choosing this new indication, we’re going to send an alternate note the following month, saying that we can terminate the loan getting instant commission.
3. If you’re unable to spend, we shall cancel the mortgage to have instantaneous fee. You will then receive a paying-during the slip for the entire obligations. Because loan might have been ended, you will no longer be able to make an application for deferred percentage.
4. If you’re unable to spend financing that was terminated, we could possibly send the claim to the brand new Enforcement Power ( Kronofogden ).

Chance of record out of non-payment

If for example the instance try handed towards the Enforcement Power, your risk researching monitoring of low-fee. Credit history businesses situation suggestions out of low-fee when they have received analysis throughout the Administration Authority. UC and you will Kreditfakta was examples of credit report organizations.

If you’re paying off regarding overseas

Are you presently repaying your house equipment loan off a different country than just Sweden? There are different methods out of payment according to where you happen to live. Occasionally, the bank cost you to possess handling the commission.

Repayment regarding equipment money will be designed to CSN’s membership during the Danske Financial that with Bankgiro amount 5201-1053.